New York Regulations
To legally drive in NY, all vehicles must be properly registered, including motorcycles. As part of the registration process, the state requires you to submit proof of insurance to guarantee that all motorists have at least a minimum amount of insurance coverage in case of an accident. Be sure to check with your agent for state requirements. These requirements may be lower than what your agent suggests you carry.
Failure to maintain your insurance can result in loss of license and registration. However, for motorcycles, you can suspend your insurance for a period of time without loss of registration, to allow for winter storage of your bike. However, you must be sure your insurance is current before taking it back out on the road.
Riders in NY must also comply with other state regulations about helmets, eye protection, headlights, and passengers. Failure to do so could jeopardize your insurance coverage.